K. M. Raza, I. A. Aziz, S. Sarwat, H. Syed, and K. Mustafa, “Determinants of Islamic Fintech Adoption among Young Consumers in Pakistan: The Moderating Role of Shariah Compliance Awareness”, JGST, vol. 2, no. 8.1, pp. 226–242, Aug. 2026, doi: 10.71317/jgst.2.8(s).2026.467.